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National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It c…
- Reinstatement of Sum Insured
- Cataract
- Ambulance Cover
National Health Insurance
National Mediclaim Policy
National Insurance Mediclaim Policy is a traditional health insurance ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
850+
Pan India presence
91.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 3,200+ hospitals
📊 -0.67 solvency ratio
✅ 91.31% claim settlement
About National Mediclaim Policy
A quick read on what this National Health Insurance plan covers and why it might be a fit for you.
National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to policyholders. This plan was launched by the National Insurance Company to offer financial comfort to the insured during a medical emergency. The Policy provides for pre-hospitalisation (45 days) and post-hospitalisation (60 days) expenses, over 140 daycare procedures, organ donor medical expenses, ambulance charges, morbid obesity treatment, and correction of refractive error. It also provides for reinstatement of the basic Sum Insured (above an SI of ₹6 Lakhs), if applicable as per terms. For younger individuals seeking affordable and extensive health coverage, the insurer also offers the National Young India Mediclaim Policy, designed to meet the needs of the youth.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
3 months to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹3 L, ₹5 L, ₹7 L, ₹10 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- All-Inclusive Coverage
- No Claim Bonus
- Lifelong Renewability
- Wide Network of Hospitals
Cons
- Cosmetic Surgery
- IVF
- Dental Treatment
- Maternity Coverage
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
National Health Insurance
This video explains National Health Insurance in detail.
Why you should buy a National Insurance Mediclaim Policy
National Mediclaim Policy comes with some amazing features:
-
Comprehensive Coverage:
National Insurance Mediclaim Policy provides comprehensive coverage for almost all expenses, including room charges, surgery costs, medication, and doctor's consultation fees.
-
No-Claim Bonus (NCB):
If the policyholder makes no claims during a policy year, they are eligible for a No-Claim Bonus. This bonus increases the Sum Insured, providing additional financial benefit.
-
Lifelong Renewability:
National Insurance Mediclaim Policy offers lifelong renewability, ensuring continuous policy benefits without age restrictions.
-
Extensive Network of Hospitals:
National Insurance has a large network of hospitals across India. With over 3000 network hospitals, policyholders can access quality healthcare services nationwide.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Expenses related to the surgical treatment of obesity
- Cosmetic or plastic surgery
- Treatment for hazardous or adventure sports injuries
- Drug and alcohol abuse
- IVF
- Maternity coverage
- Dental Treatment
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 years
- Max entry age: 65 years
- Initial Waiting Period: 30 days
- Sum Insured: Up to ₹10 Lakhs
Other features & benefits
National Mediclaim Policy Benefits
-
Tax Benefits
Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961. -
Discounts
Eligible family members can avail a 10% discount. A Youth Discount of 10% is available if the insured or their spouse is aged between 18 and 25 years. Additionally, a 5% discount is offered on the purchase of National Mediclaim Plus. -
Health Incentives
Policyholders can earn up to 50% of their Sum Insured as Health Returns by maintaining a healthy lifestyle. Expenses for health check-ups are also reimbursed.
National Mediclaim Policy: FAQs
The 17 most-asked questions about National Mediclaim Policy, answered.
As per the IRDAI guidelines, portability is allowed to/from similar products.
Yes, a 10% discount is available.
The plan comes with two co-payment options. These options are: 20% Co-payment on each admissible claim under the Policy, with a 15% discount in total premium. 15% Co-payment on each admissible claim under the Policy, with a 10% discount in total premium.
The National Insurance Company allows the customers to pay their premiums in 2 modes that are: Cash payment at the branch or Online Payment For the online payment mode, the policyholder can pay using their Credit Card, Debit Card or Net banking service
To check the status of your National Insurance Mediclaim policy, you need to visit the official website of the company and login into the portal with your valid credentials.
Yes, a health insurance plan purchased through National Insurance has a 15-day free look period during which the policyholder can return it without any penalties beig charged on him.
National Mediclaim Policy is a good and affordable mediclaim policy which covers you and your family members in case of any medical emergency.
Any individual can be covered who is above 18 years of age under this policy. Children aged between 3 months to 18 years can also be included if at least one of the parents is covered under the same policy.
The maximum entry age for National Mediclaim Policy is 65 years.
Yes. Self, spouse, dependent children and dependent parents can be covered under this policy.
Lifelong policy renewal feature is available for National Mediclaim Policy.
No, this policy does not cover obesity treatments.
No, maternity cover is not available.
Yes, the National Insurance Company allows policyholders to cancel this policy by giving 15 days written notice.
National Insurance does not cover OPD, except in Mediclaim Plus plan with an optional OPD add-on.
The National Mediclaim Plus Policy is a health insurance plan from National Insurance Company. It covers hospitalization, day-care treatments, and Ayurveda/Homeopathy care, and offers optional benefits like critical illness and OPD coverage to protect you from high medical expenses.
A grace period of 30 days is allowed for the National Insurance mediclaim policy.
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